The No Claim Discount (NCD) is a reward scheme
received by motor policy holders for not making a claim during the preceding 12
months.

How much of No Claim Discount (NCD)
am I entitled to?

Consumers are eligible for NCD
ranging from 0% to 55% of the premium payable depending on the type of vehicle,
coverage and number of years claim not intimated. For a private car, the scale
of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for
motorcycles and commercial vehicles, it ranges from 0% to 25%.

Malaysia Car Info

Find
out the current insurer for your vehicle, type of coverage, policy period and
policy number by entering your details

We understand that you and your fur kid share a strong bond. That's why we go above and beyond with MSIG Pet Insurance to cover more than basic veterinary bills to ensure your fur kid deserves the best care. At MSIG, you and your fur kid are at the heart of all we do.

We understand that you and your fur kid share a strong bond. That's why we go above and beyond with MSIG Pet Insurance to cover more than basic veterinary bills to ensure your fur kid deserves the best care. At MSIG, you and your fur kid are at the heart of all we do.

Pet insurance helps you afford quality veterinary care so you can give your beloved pet the best care, regardless of cost. It helps pay unexpected veterinary bills – your pet gets care and you get reimbursed. By insuring your pet’s health, pet insurance can provide you a piece of mind, knowing that no matter what may happen, you will be afford the health care.

Investing in pet insurance is a personal decision that should be based on your financial situation. No one can answer if buying pet insurance is a necessity for you or not as there are many factors to be considered, including breed and age of your pet, lifestyle of your pet (indoor or outdoor) and your pet’s past health experience. However, if you think you would find yourself in a position where your pet care cost would be impossible for you to come up with in an emergency, then you should consider investing in pet insurance.

Pet insurance is a real thing you can get in Malaysia – MSIG Malaysia recently introduced pet insurance and this good news excites most of us! Although pet insurance is common in other countries, it is a relatively new offering in Malaysia. Here at ACP Group of Companies (ACPG), we would like to highlight few things you should know about pet insurance.

MSIG offers a wide coverage in their plans for a reasonable price. Like most pet insurance companies, MSIG will cover the following: veterinary fee, surgical fee and death from injury or illness and third party liability. Burial or cremation costs, costs for recovery of missing pet and boarding fees for pet are also covered – they are great plus points!

No one likes surprises when making a pet insurance claim. Thus, you should check out the pet insurance exclusions and its policy wording.

Like human health insurance, most of pet insurance companies do not cover pre-existing conditions, including MSIG pet insurance. Typically, a pre-existing condition is defined as any illness or injury that your pet had before you purchased the policy. However, each insurance company’s definition of a pre-existing condition may vary, so it’s very important to read a sample policy or ask a company representative prior to purchasing an insurance policy. According to MSIG’s Policy Wording, pre-existing condition is any condition, sign or symptom occurring or existing in any form, or complication directly resulting from or relating to that condition prior to the period of insurance.

Apart from this, there are other exclusions, including routine and preventative treatments, war and related risks, an event that occurred outside Malaysia and others.

Eligibility

Is your pet eligible for pet insurance? This is another thing to look out for when buying pet insurance. According to MSIG’s Policy Wording, there are few eligibility requirements:

1.Your pet must be a cat or a dog

2.Microchipped

3.Duly licensed

4.Not under banned or restricted breeds by the Government or Public or Local Authority (Check here)

5.Aged between 12 weeks to 9 years

6.Not be a working pet (Working pet is defined as "any pet involved in activities other than companionship or helping but not limited to racing, breeding, law enforcement, guarding or other commercial use)

7.Be free from injury or physical disability at the commencement date of this policy

At the same time, the policy holder must be 18 years or older and be the owner of the pet. Keep in mind that pet insurance for older dogs and cats is harder to find. This is because an older pet is more likely to require treatment, according to Money Advice Service. And this is why most of pet insurance companies have age restrictions when you enroll in a plan.

Have your cat or dog microchipped too. The cost to have a microchip implanted by a veterinarian is around RM 45 – RM 70. You can visit the nearest vet and get your pet microchipped. Most of the vets have the licence to microchip your pet.

Pet Insurance

Why is MSIG Pet Insurance, the only Pet Insurance in Malaysia, is the ONLY ONE you need?

SPECIAL PREMIUM RATE FROM Minimum RM 17/month

FOR MICROCHIPPED CATS & DOGS OF 12 WEEKS TO 9 YEARS OLD

PET MEDICAL BENEFIT UP TO RM 5000.00

DEATH BENEFIT DUE TO ACCIDENT AND ILLNESS UP TO RM 5,000.00

BURIAL OR CREMATION BENEFIT UP TO RM 1,000.00

ADVERTISING AND REWARDS COSTS FOR RECOVERY OF MISSING PET UP TO RM 1,000.00

NOT AVAILABLE FOR BANNED OR RESTRICTED BREEDS BY THE GOVERNMENT, PUBLIC OR LOCAL AUTHORITY

WHAT IT COVERS

VETERINARY & SURGICAL BENEFIT

When the insured pet is met with injuries and illnesses, this insurance will cover relevant veterinary bills up to RM 5000.00 for the highest plan. If surgery is involved, it will also cover post-surgical treatments of up to 60 days from day of surgery.

DEATH BENEFIT

When the insured pet suffers death, or being put to sleep following accidental injury or illness, this insurance will reimburse you, the pet owner, the purchase price or adoption fee up to RM 5,000.00 for the highest plan.

BURIAL OR CREMATION BENEFIT

When the insured pet suffers an unfortunate death, this insurance will reimburse the burial or cremation costs of the insured pet up to RM 1,000.00.

ADVERTISING AND REWARD FOR MISSING PET RECOVERY

When the insured pet goes missing, this insurance will reimburse the cost of advertising and reward cost up to RM 1000.00 to find the missing insured pet.

BOARDING KENNEL & CATTERY FEES

When you, the pet owner is hospitalized for more than 3 days, this insurance will reimburse the boarding kennel or cattery fees up to RM 2500.00 (highest plan) for your insured pet whilst you recover.

THIRD PARTY LIABILITY

When your insured pet causes accidental bodily injury to others or damage to property belonging to third parties, this insurance will cover all legal costs and expenses incurred up to RM 100,000.00 for the highest plan.

THINGS TO TAKE NOTE

MICROCHIPPING SERVICES BY OUR PARTNERS MINISTRE' OF PETS AND VPAC

This product is only available for microchipped dogs and cats. If you have not done so, fret not, as the procedure of implanting microchip takes seconds; it is inexpensive, safe, and essentially painless! In fact, our partners Ministre' of Pets and VPAC offers affordable microchipping services, range from RM50 - RM55.